| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.5% | +1.3% | -2.8 pts |
| Share growth (YoY) | -4.5% | +0.9% | -5.4 pts |
| Loan growth (YoY) | -4.1% | -2.6% | -1.5 pts |
| ROA | 1.83% | 0.65% | +1.2 pts |
| ROE | 6.1% | 4.4% | +1.7 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.9M | $2.0M | $1.1M | $862K | $26K | 1.83% | 4.53% | 0.00% | 606 |
| Q1 2026 | $2.9M | $2.1M | $1.1M | $849K | $13K | 1.76% | 4.45% | 0.00% | 600 |
| Q4 2025 | $2.9M | $2.0M | $1.2M | $836K | $51K | 1.75% | 4.62% | 0.00% | 596 |
| Q3 2025 | $3.0M | $2.1M | $1.2M | $832K | $47K | 2.09% | 4.54% | 0.00% | 609 |
| Q2 2025 | $2.9M | $2.1M | $1.2M | $816K | $31K | 2.15% | 4.56% | 0.00% | 612 |
| Q1 2025 | $2.9M | $2.1M | $1.0M | $801K | $16K | 2.17% | 4.43% | 0.00% | 610 |
| Q4 2024 | $2.8M | $2.0M | $1.1M | $785K | $57K | 1.99% | 4.85% | 0.00% | 611 |
| Q3 2024 | $2.9M | $2.1M | $1.1M | $776K | $47K | 2.15% | 4.74% | 0.24% | 610 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.83% | 0.65% | 92nd | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 4.4% | 62nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.53% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $2.8M | $2.1M | $1.1M | $762K | $33K | 2.34% | 4.80% | 0.00% | 612 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $901K · securities $1.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.0% | 80.6% | 12th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Taylor, GA, ranked 4th with 1.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Taylor, GA | 2 | $2.0M* | 1.60% | 4th |
Georgia: 278th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2